Business rates & fees

Business Checking

Business Checking
Opening Balance	Interest Rate	Annual percentage yield	Earning Credits	Monthly Service Fee
Rates Effective: 11-02-2025 APY = Annual Percentage Yield APR = Annual Percentage Rate Monthly service fee and per item charges are calculated via account analysis. Overdrawn Balance Rate (APR) is variable at Prime + 5.00%. Subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month for the next business day if the 10th falls on a weekend. Current Prime Rate is As of 10/10/25, Prime Rate is 7.25%.. Interest earned is sent to the applicable State’s legal foundation, as required by law. All interest is compounded and credited monthly. For more information, please refer to the Business Membership & Account Agreement.
Opening Balance $100.00	Interest Rate N/A	Annual percentage yield 0.00%	Earning Credits N/A	Monthly Service Fee N/A

IOLTA Checking

IOLTA Checking
Opening Balance	Interest rate²	Annual percentage yield (APY)¹	Earnings Credit	Monthly Service Fee
Rates Effective: 11-02-2025 APY = Annual Percentage Yield APR = Annual Percentage Rate Monthly service fee and per item charges are calculated via account analysis. Overdrawn Balance Rate (APR) is variable at Prime + 5.00%. Subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month for the next business day if the 10th falls on a weekend. Current Prime Rate is As of 10/10/25, Prime Rate is 7.25%.. Interest earned is sent to the applicable State’s legal foundation, as required by law. All interest is compounded and credited monthly. For more information, please refer to the Business Membership & Account Agreement.
Opening Balance $0.00 and higher	Interest rate² 3.33%⁶	Annual percentage yield (APY)¹ 3.38%⁶	Earnings Credit N/A	Monthly Service Fee N/A

Analyzed Checking

Analyzed Checking
Opening Balance	Interest Rate	Annual Percentage Rate (APY)	Earnings Credit	Monthly Service Fee
Rates Effective: 11-02-2025 APY = Annual Percentage Yield APR = Annual Percentage Rate Monthly service fee and per item charges are calculated via account analysis. Overdrawn Balance Rate (APR) is variable at Prime + 5.00%. Subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month for the next business day if the 10th falls on a weekend. Current Prime Rate is As of 10/10/25, Prime Rate is 7.25%.. Interest earned is sent to the applicable State’s legal foundation, as required by law. All interest is compounded and credited monthly. For more information, please refer to the Business Membership & Account Agreement.
Opening Balance $100.00	Interest Rate N/A	Annual Percentage Rate (APY) 0.00%	Earnings Credit 1.05%	Monthly Service Fee $10.00

Business savings & business secondary savings

Business savings & business secondary savings
Balance	Interest rate²	Annual percentage yield (APY)¹	Minimum balance	Monthly service fee if below minimum balance
Rates Effective: 11-02-2025 Learn more about business savings APY = Annual Percentage Yield All interest is compounded and credited monthly. For more information, please refer to the Business Membership & Account Agreement.
Balance $0 - $2,499.99	Interest rate² 0.10%	Annual percentage yield (APY)¹ 0.10%	Minimum balance $5.00	Monthly service fee if below minimum balance No monthly fee
Balance $2,500 - $9,999.99	Interest rate² 0.10%	Annual percentage yield (APY)¹ 0.10%	Minimum balance $5.00	Monthly service fee if below minimum balance No monthly fee
Balance $10,000 - $24,999.99	Interest rate² 0.10%	Annual percentage yield (APY)¹ 0.10%	Minimum balance $5.00	Monthly service fee if below minimum balance No monthly fee
Balance $25,000 - $49,999.99	Interest rate² 0.10%	Annual percentage yield (APY)¹ 0.10%	Minimum balance $5.00	Monthly service fee if below minimum balance No monthly fee
Balance $50,000 - $99,999.99	Interest rate² 0.10%	Annual percentage yield (APY)¹ 0.10%	Minimum balance $5.00	Monthly service fee if below minimum balance No monthly fee
Balance $100,000+	Interest rate² 0.10%	Annual percentage yield (APY)¹ 0.10%	Minimum balance $5.00	Monthly service fee if below minimum balance No monthly fee

OnPoint Business Loyalty Savings Account

OnPoint Business Loyalty Savings Account
Balance	Interest rate²	Annual percentage yield (APY)¹	Minimum balance	Monthly service fee if below minimum balance
Rates Effective: 11-02-2025 Learn more about OnPoint Business Rewards APY = Annual Percentage Yield All interest is compounded and credited monthly. Must qualify for OnPoint Rewards. For more information, please refer to the Business Membership & Account Agreement.
Balance $0 - $49,999.99	Interest rate² 0.35%	Annual percentage yield (APY)¹ 0.35%	Minimum balance $0	Monthly service fee if below minimum balance No monthly fee
Balance $50,000 - $99,999.99	Interest rate² 0.35%	Annual percentage yield (APY)¹ 0.35%	Minimum balance $0	Monthly service fee if below minimum balance No monthly fee
Balance $100,000 - $249,999.99	Interest rate² 0.35%	Annual percentage yield (APY)¹ 0.35%	Minimum balance $0	Monthly service fee if below minimum balance No monthly fee
Balance $250,000 and higher	Interest rate² 0.35%	Annual percentage yield (APY)¹ 0.35%	Minimum balance $0	Monthly service fee if below minimum balance No monthly fee

Business Money Market

Business Money Market
Deposit amount	Interest rate	Annual percentage yield (APY)¹	Minimum balance	Monthly service fee if below minimum balance
Rates Effective: 11-02-2025 Learn more about business money market APY = Annual Percentage Yield All interest is compounded and credited monthly. For more information, please refer to the Business Membership & Account Agreement.
Deposit amount $0 - $4,999.99	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00
Deposit amount $5,000 - $9,999.99	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00
Deposit amount $10,000 - $24,999.99	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00
Deposit amount $25,000 - $49,999.99	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00
Deposit amount $50,000 - $99,999.99	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00
Deposit amount $100,000 - $249,999	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00
Deposit amount $250,000+	Interest rate 0.15%	Annual percentage yield (APY)¹ 0.15%	Minimum balance $1,000.00	Monthly service fee if below minimum balance $10.00

Business Certificates of Deposit

Business Certificates of Deposit
CD term	Opening deposit	Interest rate²	Annual percentage yield¹	Interest rate with OnPoint Rewards^2,3	APY with OnPoint Rewards^1,3	Minimum balance
Rates Effective: 11-02-2025 Learn more about business certificates of deposit APY = Annual Percentage Yield All interest is compounded and credited monthly. Must qualify for OnPoint Rewards. For Business Certificate of Deposit accounts, the APY is based on an assumption interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. You may make additional deposits only for a term of 3, 6, 12, or 24 months. Subsequent deposits are excluded on promotional offerings unless otherwise stated. We may impose an early withdrawal penalty if you withdraw any of the principal of your Business Certificate of Deposit account before the maturity date. For more information, please refer to the Business Membership & Account Agreement.
CD term 3 months⁵	Opening deposit $1,000	Interest rate² 1.49%	Annual percentage yield¹ 1.50%	Interest rate with OnPoint Rewards^2,3 1.74%	APY with OnPoint Rewards^1,3 1.75%	Minimum balance $1,000
CD term 6 months⁵	Opening deposit $1,000	Interest rate² 1.74%	Annual percentage yield¹ 1.75%	Interest rate with OnPoint Rewards^2,3 1.99%	APY with OnPoint Rewards^1,3 2.01%	Minimum balance $1,000
CD term 12 months⁵	Opening deposit $1,000	Interest rate² 2.23%	Annual percentage yield¹ 2.25%	Interest rate with OnPoint Rewards^2,3 2.48%	APY with OnPoint Rewards^1,3 2.51%	Minimum balance $1,000
CD term 18 months⁵	Opening deposit $1,000	Interest rate² 2.28%	Annual percentage yield¹ 2.30%	Interest rate with OnPoint Rewards^2,3 2.53%	APY with OnPoint Rewards^1,3 2.56%	Minimum balance $1,000
CD term 24 months⁵	Opening deposit $1,000	Interest rate² 2.33%	Annual percentage yield¹ 2.36 %	Interest rate with OnPoint Rewards^2,3 2.58%	APY with OnPoint Rewards^1,3 2.61%	Minimum balance $1,000
CD term 36 months	Opening deposit $1,000	Interest rate² 2.37%	Annual percentage yield¹ 2.40%	Interest rate with OnPoint Rewards^2,3 2.62%	APY with OnPoint Rewards^1,3 2.65%	Minimum balance $1,000
CD term 48 months	Opening deposit $1,000	Interest rate² 2.42%	Annual percentage yield¹ 2.45%	Interest rate with OnPoint Rewards^2,3 2.67%	APY with OnPoint Rewards^1,3 2.70%	Minimum balance $1,000
CD term 60 months	Opening deposit $1,000+	Interest rate² 2.47%	Annual percentage yield¹ 2.50%	Interest rate with OnPoint Rewards^2,3 2.72%	APY with OnPoint Rewards^1,3 2.75%	Minimum balance $1,000

Nonprofit Money Market

Nonprofit Money Market
Balance	Interest rate²	Annual percentage yield (APY)¹	Minimum opening deposit	Monthly service fee if below minimum balance
Rates Effective: 11-02-2025 APY = Annual Percentage Yield All interest is compounded and credited monthly. Available to organizations registered as nonprofit with the Oregon or Washington Secretary of State or providing proof of IRS tax exempt status. For more information, please refer to the Business Membership & Account Agreement.
Balance $0 - $250,000.00	Interest rate² 3.69%	Annual percentage yield (APY)¹ 3.75%	Minimum opening deposit $0	Monthly service fee if below minimum balance No monthly fee
Balance $250,000.01 and higher	Interest rate² 0.00%	Annual percentage yield (APY)¹ 0.00%	Minimum opening deposit $0	Monthly service fee if below minimum balance No monthly fee

Business Platinum Visa^® with Rewards

Business Platinum Visa^® with Rewards
Interest Rates and Charges	Annual Percentage Rate (APR)¹
Rates Effective: 11-02-2025 See important information about rates and fees Learn more about business platinum Visa^® with rewards ¹ APR will vary with the market based on the prime rate. Grace period for repayment of purchase balance: 25 days How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Interest Rates and Charges Purchases	Annual Percentage Rate (APR)¹ 13.00% - 23.50% based on creditworthiness
Interest Rates and Charges Balance transfers	Annual Percentage Rate (APR)¹ 15.00% - 25.50% based on creditworthiness
Interest Rates and Charges Cash advances	Annual Percentage Rate (APR)¹ 15.00% - 25.50% based on creditworthiness

Business Auto Loans

Business Auto Loans
Type	Available terms	Annual percentage rate (APR), fixed¹	Estimated minimum monthly payment
Rates Effective: 11-02-2025 Learn more about business auto loans All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. APR=Annual percentage rate OnPoint rewards*: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2015-2018 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2014 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply. Alternative terms and additional conditions may apply.
Type New auto (2022 and newer)	Available terms 36-60 months	Annual percentage rate (APR), fixed¹ 5.99% - 9.44%	Estimated minimum monthly payment $294.12 based on a 60 month, $15,000 loan at 6.59% APR*
Type New auto (2022 and newer)	Available terms 72 months	Annual percentage rate (APR), fixed¹ 6.24% - 9.89%	Estimated minimum monthly payment $255.98 based on a 72 month, $15,000 loan at 6.84% APR*
Type New auto (2022 and newer)	Available terms 84 months²	Annual percentage rate (APR), fixed¹ 6.49% - 10.14%	Estimated minimum monthly payment $228.52 based on an 84 month, $15,000 loan at 7.29% APR*
Type New auto (2022 and newer)	Available terms 96 months²	Annual percentage rate (APR), fixed¹ 7.24% - 11.74%	Estimated minimum monthly payment $359.67 based on a 96 month, $25,000 loan at 8.49% APR*
Type Used auto (2015-2021)	Available terms 36-60 months	Annual percentage rate (APR), fixed¹ 6.14% - 9.84%	Estimated minimum monthly payment $296.24 based on a 60 month, $15,000 loan at 6.89% APR*
Type Used auto (2015-2021)	Available terms 72 months²	Annual percentage rate (APR), fixed¹ 6.39% - 10.19%	Estimated minimum monthly payment $256.74 based on a 72 month, $15,000 loan at 7.14% APR*
Type Used auto (2019-2021)	Available terms 84 months²	Annual percentage rate (APR), fixed¹ 6.84% - 11.49%	Estimated minimum monthly payment $232.23 based on an 84 month, $15,000 loan at 7.79% APR*
Type Business specialty vehicle³	Available terms Up to 60 months	Annual percentage rate (APR), fixed¹ 10.99% - 12.99%	Estimated minimum monthly payment $109.31 based on a 60 month, $5,000 loan at 11.24% APR*

Small Business Lines of Credit and Term Loans

Small Business Lines of Credit and Term Loans
Type	Available terms	Annual percentage rate (APR)	Estimated minimum monthly payment
Rates Effective: 11-02-2025 Learn more about small business lines of credit and term loans *APR=Annual percentage rate All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum loan amount is $100,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Small business line of credit minimum $10,000 limit, not to exceed $100,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
Type Small business term loan	Available terms Up to 60 Months	Annual percentage rate (APR) 11.00% - 16.00% fixed rate¹	Estimated minimum monthly payment $470.57 based on a 60 month, $20,000 loan at 14.50% APR*
Type Small business line of credit	Available terms N/A	Annual percentage rate (APR) 11.25% - 13.25% variable rate²	Estimated minimum monthly payment 2% of outstanding balance or $25, whichever is greater

Commercial Operating Lines of Credit, Term Loans and Real Estate

Commercial Operating Lines of Credit, Term Loans and Real Estate
Type	Additional info
Rates Effective: 11-02-2025 Learn more about commercial operating lines of credit, term loans and real estate
Type Business lines of credit	Additional info Get customized operating lines of credit designed just for your business. Please visit a branch to learn more.
Type Business term loans	Additional info Our term loans are a great option for working capital needs and equipment acquisitions. Please visit a branch to learn more.
Type Commercial real estate loans	Additional info We offer competitive rates and terms for the purchase or refinance of commercial real estate. Please visit a branch to learn more.

Business Fees

Business Fees
Type	Fees
Rates Effective: 11-02-2025 For more information please refer to the Business Membership & Account Agreement. For a full list of business fees please refer to the Business Fee Schedule.
Type Account research	Fees $25.00 per hour
Type ACH Transfers (within Business Online Banking)	Fees $15.00 per month
Type ATM Withdrawal (No charge for OnPoint, MoneyPass, or CO-OP ATMs)	Fees $2.00 per transaction
Type Card Replacement (charged only when the number of replacement requests are excessive)	Fees $5.00 per card
Type Postage Handling for Card/PIN Rush Delivery - Domestic	Fees $25.00 per item sent
Type Postage Handling for Card/PIN Rush Delivery - International	Fees $65.00 per item sent
Type Cash Order (Coin & Currency)	Fees $5.00
Type Check Printing	Fees Prices vary based on style
Type Check Processing Fee - Business Checking	Fees $0.10 (first 200 per month free)
Type Check Processing Fee - Analyzed Checking	Fees $0.15 each
Type Check Sent for Collections - Domestic	Fees $20.00 per check
Type Check Sent for Collections - International ($250.00 US dollar equivalent minimum)	Fees $75.00 per check
Type Foreign Check in US Currency (all countries, including Canada)	Fees $5.00 per item
Type Foreign Returned Item	Fees $30.00 per item
Type Garnishment/Levy Fee	Fees $50.00 per garnishment/levy
Type Legal Process Fee	Fees $75.00 each
Type Lobby Coin Deposit Fees - members	Fees No charge
Type Lobby Coin Deposit Fees - Non-member – any amount	Fees 15%
Type Monthly Service Fee - Analyzed Checking	Fees $10.00 per month
Type Overdraft Fee (item paid) (OnPoint will not charge an overdraft fee if your account is overdrawn $10 or less. The maximum overdraft fees that can be charged in one day is $30.)	Fees $10.00
Type Payment by Phone (Debit Card or ACH)	Fees $15.00 per request
Type Photocopies of Transaction Slip (Visa Card)	Fees $12.00 per item
Type Remote Deposit Capture	Fees $30.00 per month
Type Small Business Line of Credit Annual Fee	Fees $50.00
Type Special Item Handling	Fees Prices vary based on request
Type Stop Payment (including payments made through Bill Payment)	Fees $25.00 per item
Type Verification of Deposit/Loan	Fees $25.00 per request
Type Visa Foreign Transaction	Fees Up to 1% of transaction amount
Type Zipper Bag (first item free)	Fees $4.00
Type Commercial Online Banking	Fees $10 per month
Type Positive Pay Services , ACH and Check	Fees $50/month, up to 5 accounts; each additional account = $5/month per account
Type Premium Sweep Services	Fees $25 per month

Wire Transfer Fees

Wire Transfer Fees
per wire	fee
Rates Effective: 11-02-2025
per wire Incoming (all)	fee $8.00
per wire Domestic (outgoing)	fee $20.00
per wire Foreign (outgoing - foreign currency)	fee $40.00
per wire Foreign (outgoing - US dollars)	fee $40.00

Business Credit Card Fees

Business Credit Card Fees
Card	Type	Fees
Rates Effective: 11-02-2025
Card Business platinum Visa^® with rewards	Type Annual fees	Fees $25 (for each card number issued)
Card	Type Late payment fee	Fees Up to $30
Card	Type Over-the-credit-limit fee	Fees $30
Card	Type Foreign transaction fee	Fees Up to 1% of the U.S. dollar amount of the foreign transaction
Card	Type Minimum payment	Fees 2% of outstanding balance or $10, whichever is greater
Card	Type Returned payment fee:	Fees $25
Card	Type Card replacement fee	Fees $5

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